Welfare broker

LAU & LAU ASSOCIATES LLC

Mailing address (most recent filing)

41000 WOODWARD AVENUE

SUITE 250 EAST

BLOOMFIELD HILLS, MI 48304

Carrier mix

Where LAU & LAU ASSOCIATES LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$340K	25.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$2.8M	25.0%
KASIER FOUNDATION HEALTH PLAN INC	1	$378K	25.0%
BLUE CROSS OF CALIFORNIA	1	$893K	25.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	4	$4.4M	0.1%	41.16x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of LAU & LAU ASSOCIATES LLC's plans by broker comp / premium ratio. Median 9.94% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

Share of LAU & LAU ASSOCIATES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where LAU & LAU ASSOCIATES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ABSOPURE COMPANY ABSOPURE WATER COMPANY GROUP LIFE INSURANCE PLAN	MI	$2.8M	$348K	LINCOLN NATIONAL LIFE INSURANCE CO
COVENANT COMMUNITY CARE COVENANT COMMUNITY CARE HEALTH & WELFARE PLAN	MI	$893K	$67K	BLUE CROSS BLUE SHIELD OF MICHIGAN
ALTIMETRIK, CORP ALTIMETRIK, CORP. EMPLOYEE BENEFIT PLAN	MI	$378K	$37K	KASIER FOUNDATION HEALTH PLAN, INC
URBAN SCIENCE APPLICATIONS, INC. URBAN SCIENCE APPLICATIONS, INC. EMPLOYEE BENEFITS PLAN	MI	$340K	$34K	UNUM LIFE INSURANCE COMPANY OF AMERICA